Thank you, Madam Chair.
Ms. Schroeder, I really appreciate what you've had to say to us and I totally concur with all you've said.
One of the previous witnesses, Mr. Lawford, made reference to the fact that perhaps some seniors are actually giving up their land lines because they are so fed up with phone scams, nuisance calls and so on. Are you aware of any of that? Has that been an issue at all for your clients?